Hazini

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Hazini supports the
financial wellbeing
of employees

Using the Hazini salary advance, your staff can access advances of up to Ksh 200,000

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Salary on demand

Did you know that two-thirds* of Private Sector workers have been affected by personal finance-related stress in 2020, yet, less than one in five businesses offer a financial wellbeing programme.

For employers

Sign up your company and add eligible employees for them to apply for loans. We will walk you through every step.

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For employees

Employees download the Hazini app, view their loan limits, and apply for loans. Loan repayment is checked off from the salary or via mobile money.

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Why Hazini is unique

No hidden fees

No stress and hustle

Quick and reliable

How it works

Effortless repayment

Your employees don’t have to remember to repay. Everything is setup for them and repayment is processed automatically. Truly effortless.

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EMPLOYER

Employer checks on due installment, deducts from salary before processing salary payment and uploads deduction list to automatically reflect on the app as loan paid.

EMPLOYEE

Employee chooses to repay directly via app or the due amount is deducted from salary.

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Salary advance of up to
70%

Sometimes the working nation need a little helping hand to make it through the month.

Hazini helps employees avoid unfair interest, fees and Hidden charges and gives them early access to their pay anytime anywhere.

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Key benefits

Avoid unfair interest

Hazini is a better alternative to expensive forms of short term credit.

Effortless repayment

Hazini automatically recover any money owed directly from your employees’ next pay

Secure

Hazini is secured by industry-grade highest standards. Your data is in safe hands.

No impact on credit score

Hazini doesn’t affect your employees’ credit score or history.

Private and secure

Hazini doesn’t sell or share data so it’s safe and secure with us.

Here to help

Support is available directly on the app via chat, web form or phone.

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Employee
stories

I’ve had bad experiences with pay day loans in the past so being able to access Hazini really is a blessing to me, especially since it doesn’t affect my CRB status either.”

Cynthia, Vaspro Limited

Before Hazini I would use my assets like my Logbook and Title deeds to get loans, after I started using Hazini, I have peace of mind and I know my assets are safe and secure all thanks to Hazini’s quick instant loans.”

Johnstone, Califam Holdings

Hazini is my go to app for the little emergencies of life, a while back, my son was unwell and I needed some quick cash to clear his hospital bill, I was so stressed and anxious but after I contacted my HR and he referred me to HAZINI, I have never looked back.”

Marjorie, Southwell Solutions

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Frequently asked questions

What is Hazini?

Hazini loans are personal loans for employees of organisations signed up to the HAZINI platform. If a loan application is successful, repayments are collected directly from your pay.

What is the interest rate of a Hazini loan?

Our Representative Rate is 10% PM. If you are offered a HAZINI loan, your rate will be based on your personal circumstances and will be fixed for the duration of your loan.

Why has my application been declined?

Each application is reviewed individually and a number of factors are considered when making a decision. We cannot guarantee approval even if you have had a loan in the past, your new application may be declined.

How much can i borrow and for how long?

We offer loans from Ksh 1000 to Ksh 200,000. You can choose between 1 month to 3 months.

How do i make repayments?

Hazini loan repayments are made directly from your salary OR you can repay through M-PESA PAYBILL 808086, ACCOUNT NAME- Enter your HAZINI Account Number. You can repay the loan in full or make an additional payment at any time, with no fee.

How can i check my loan application status?

Sign in to your App to see the latest status of your application - if you need to do anything, we’ll email you and ask you to sign in to see what action you need to take.

What happens if i leave the company?

If you leave the company and there are still loan repayments outstanding, you can clear the repayents with us you’ll start making repayments by Direct Debit using the bank account details you supplied during the application process.

The interest rate and repayment schedule remain the same. We can change the repayment schedule if you need to bring this in line with a new payday, for example.

Should i be worried about my credit scores?

Applying for a Hazini loan will not affect your credit score, as we only perform a quotation search (soft check) on your file at this point. It's only when you accept the loan that we perform what's called a 'hard search' that will show on your file in future.

If your application is approved, HAZINI loans help you make repayments on time through direct payroll repayments OR Paybill repayments, which can help improve your credit score with us through a period of on-time repayments.

When will i receive my loan?

Once you have signed your loan agreement and an approval is given from the HR, we'll be able to send the loan amount to you. We aim to have the money to you within an hour - loans are sent our 24/7 but things can be a little slower at the weekend and overnight.

What happens if an incorrect deduction is made from my pay?

We check each repayment to make sure the correct amount has been deducted. You will be able to view the deduction made in your payslip or by signing in to your account. If there is an issue, please contact us by filling in the form below and if you’ve overpaid, we’ll refund the overpayment to your bank account.

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HELP

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CONTACT US

We are located at 7th Floor
Kalson Towers, off Parklands Road
Nairobi, Kenya

+254 709 183 808
info@hazini.com

Hazini Limited, Plot No. LR 209/2167, Crescent Lane, Parklands, Kenya operates the Hazini brand and all its assets.

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